Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During XX/XX/2020 I received an offer for a FREE TRIAL from XXXX through the internet which required that I ONLY PAY {$4.00} for SHIPPING AND HANDLING which I accepted and got charged the {$4.00}. On XX/XX/2020 XXXX charged me {$89.00} so on XX/XX/2020 I entered a DISPUTE in my BANK OF AMERICA account and the {$89.00} where refunded to my account while BANK OF AMERICA investigated my claim. About seven days ago I received a notification from BANK OF AMERICA that read UNABLE TO PAY and stating that the {$89.00} were going to be taken back from my account and paid to XXXX on XX/XX/2020. I called BANK OF AMERICA to ask for AN EXPLANATION. They stated that somewhere in the online site of XXXX where I paid the {$4.00} SHIPPING CHARGE there was A DISCLOSURE written in very small letters stating that I was getting subscribed to receive the same product and PAY EVERY MONTH the amount of {$89.00} as a RECURRING CHARGE. Bank of America advised me to contact XXXX to ask if they would refund me the money or at least part of it if I returned the product to them ASAP. 
I contacted XXXX via EMAIL and they stated that because I submitted a claim with Bank Of America THERE WAS NOTHING THEY COULD DO. I stated that THE BANK told me they were returning the money to XXXX on XX/XX/2020 and I asked them if ONCE THEY RECEIVE IT IF THEY WOULD REFUND IT TO ME??? They responded they will let BANK OF AMERICA DECIDE WHAT TO DO and that they can not help me any further. I told them Bank of America decided to refund the money to them and reviewing all their website I discovered I could get a refund within 45 days of the purchase but they persist in having BANK OF AMERICA DECIDE FOR BOTH OF US. For that reason I am entering this complaint BEFORE BANK OF AMERICA REFUNDS MY MONEY TO XXXX. Needless to say I NEVER READ OR FOUND THOSE LITTLE LETTERS DISCLOSURE not before paying the {$4.00} SHIPPING and NOT EVEN NOW! Why would you print A DISCLOSURE IN LITTLE LETTERS? Unless it is to have you NOT READ THEM. 
I am pasting here/now my email correspondence with XXXX for you ... 

XXXX XXXX XXXX Sat XX/XX/2020 XXXX XXXX Dear Sir, There is nothing else we can do to assist you since you filed a charge back dispute with your bank. We will allow your bank to review the information and determine the outcome. 

Best Regards, Customer Support On Sat, XX/XX/2020 at XXXX, XXXX XXXX <XXXX> wrote : I NEED TO KNOW IF YOU ARE GOING TO REFUND MY MONEY BACK ONCE BANK OF AMERICA RETURNS MY {$89.00} TO YOU ON XX/XX/2020 AS 45 DAYS FOR A REFUND HAVE NOT EXPIRED YET. PLEASE ADVISE ASAP SO I CAN RELAX ABOUT THIS MATTER. THANKS. 

From : XXXX XXXX <XXXX> Sent : Friday, XX/XX/2020 XXXX XXXX To : XXXX XXXX <XXXX> Subject : Re : ON XX/XX/2020 I WAS CHARGED {$89.00} WHICH I DID NOT SIGN FOR IT AND WAS NEVER DISCLOSED TO ME THE CHARGE BACK DISPUTE WITH BANK OF AMERICA IS GOING TO RETURN THE {$89.00} TO YOU ON XX/XX/2020 AND IT WILL BE UP TO YOU TO REFUND ME. WILL YOU REFUND AFTERWARDS? PLEASE ADVISE. 

THANKS FOR YOUR PROMPT REPLY. IF YOU WANT THE FREE SAMPLE BACK PLEASE PROVIDE ADDRESS WHERE TO MAIL. THE JAR HAS 38 TABLETS LEFT IN IT. 
THANKS. 

From : XXXX XXXX <XXXX> Sent : Friday, XX/XX/2020 XXXX XXXX To : XXXX XXXX <XXXX> Subject : Re : ON XX/XX/2020 I WAS CHARGED {$89.00} WHICH I DID NOT SIGN FOR IT AND WAS NEVER DISCLOSED TO ME Dear Sir, I have cancelled your monthly subscription for XXXX per you first request and call to our customer care center. You were billed the {$89.00} when your trial period expired. Unfortunately, I can not issue a refund since you have filed a charge back dispute with your bank. When you do this, your bank immediately deducts the funds from us while they review the dispute. Once again, per your first request, your subscription has been cancelled moving forward. 

Best Regard, Customer SUpport On Fri, XX/XX/2020 at XXXX, XXXX XXXX <XXXX> wrote : I APPLIED FOR A FREE TRIAL OF XXXX AND I HAD TO PAY {$4.00} ONLY. 
BUT THEN I WAS CHARGED {$89.00} AND I NEED THIS MONEY REFUNDED TO ME ASAP. 
I WILL SEND YOU BACK YOUR BOTTLE OF XXXX IF YOU PROVIDE ME YOUR ADDRESS. 
I THINK I ONLY TOOK TEN PILLS AT THE MOST BUT I CAN COUNT THEM FOR YOU SO YOU CHARGE ME FOR THE PILLS I USED. 

I HAVE ATTACHED YOUR OFFER SO YOU CAN READ IT WAS A FREE TRIAL AND I WAS REQUIRED TO ONLY PAY SHIPPING. 

PLEASE ADVICE ASAP THANKS I will attach below all about XXXX the offer and the charge of {$4.00}. Thanks

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