Consumer complaint received 2026-06-08 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: IL

Complaint narrative:
Below are details of a bait and switch sale and credit card company not taking action : a. XXXX XXXXXXXX XXXX XXXXXXXX announced on social media she would be in the United States to exhibit at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX describes this as the premier United States contemporary art fair. To my knowledge this is only the second time she has exhibited her unique paintings in the United States. I purchased round trip airfare and a hotel room to travel to XXXX ( from XXXX ) to attend and purchase a work. Her art is created as part of a social media happening in which you can see the art inspiration and creation giving it a type of social media heritage. XXXX was one of the featured artworks to be presented at her Art Week exhibition. She presented its heritage ( inspiration, conception, gestation/creation/development, etc. ) on her XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several other posts also included this image XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX recap @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I purchased XXXX in person with my BoA credit card ( ending XXXX ) by oral contract with XXXX XXXX XXXX, sales director of her gallery, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX I negotiated a {$13000.00} price on a {$16000.00} asking price with packing and shipping included. Subsequently, I was told that the work was damaged and that I would receive a replica. Gallery sales director XXXX XXXX XXXX explained that the gallery has a strict policy of not delivering damaged products under any circumstances. He delivered this explanation by email as follows : As a matter of gallery policy, we do not sell or deliver damaged artworks to any collector, regardless of circumstance. For this reason, and in agreement with the artist, the decision was made to recreate the piece. To me a replica would be acceptable if XXXX. The replica resembled the original, XXXX. The original was destroyed and XXXX. The replica was given social media exposure which would confer a similar social media heritage upon it. Gallery owner, XXXX XXXX, said it would be destroyed and that she would talk to XXXX about creating a social media heritage for the work. This was important and reassuring because I had purchased a unique original and felt multiple editions would diminish the uniqueness. Despite these reassurances, I remained skeptical and continued to inquire about the original social media subject. I believe that in the long run unique editions with social media heritage like shown above will be far more valuable than those without such a heritage. However, 63 days after purchase, I was delivered a replica ( XXXX XXXX, i.e XXXX subscript XXXXXXXX XXXX XXXX ) that did not have any associated social media and I was told that the original would not be destroyed. b. I have multiple BoA credit cards. BoA has assisted me with transaction difficulties on one of them ( ending in XXXX ) twice based on a 180-day dispute filing deadline. After normalizing my dispute resolution behavior to a 180-day filing window this other credit card, BoA is now asserting that for the credit card used in this disputed transaction ( ending XXXX ), I am limited to a 2-billing cycle dispute filing deadline. BoA has stated that business and personal credit cards may have different policies like this. BoA is denying my XX/XX/XXXX dispute resolution assistance request based on this assertion. The following are my actions to resolve the situation : a. I have talked with people from my social circle regarding the extensive delivery delays and complications XXXX I have compelled production of a written invoice XXXX I have repeatedly requested proof of and explanation of the damages to the original to no avail. d. I have repeatedly inquired about arrangements to produce proof of destruction of the original work. e. I have repeatedly inquired about production of social media heritage for any replica replacement. f. Upon replica delivery without original destruction and social media presentation, I have requested compensatory damages in the form of additional art work. g. I have had email exchanges with the artist in which unsatisfactory offers were made. I.e., although an offer was made to accept return at her expense for a full refund, no offer was made to deliver anything original with the social media heritage she is known for. Given the course of events and the fact that her art gallery had announced a new address, I was skeptical about possible trickery. More importantly, I had wanted to be made whole with unique artwork with social media heritage. h. I have contacted dozens of law firms seeking legal counsel. i. I have familiarized myself with art market transactions via research, including a 3-episode podcast special on the art market by the XXXX podcast. j. I have held remote ( phone and zoom ) meetings with legal counsel on the issue k. I have notified Bank of America about this disputed transaction on XX/XX/XXXX through their dispute resolution process. Although they had given me a 5-day window to upload dispute documents on XX/XX/XXXX, they denied my claim on XX/XX/XXXX based on a 2-billing cycle filing limit. Once I realized that BoA has a 2-billing cycle dispute filing window policy for this card that is different from another BoA card which allowed a 180-day transaction dispute filing window, I contacted the bank to reopen the case, but it was automatically closed the next morning before I could complete my document upload. XXXX XXXX. the BoA upload process seems to allow only 5 documents, but if you do not do the next step after upload it seems you can upload 5 per day. It is not clear whether a repository holds the sequence of daily uploads. Today, I will complete my uploads and again attempt to reopen the case.

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