Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am a victim of fraud. On XX/XX/year>, with the help of RESERVATION merchant/agent I cancelled the previously booked XXXX XXXX  XXXX due to the issues going on XXXX and closure of XXXX XXXX and rebooked with XXXX XXXX  ( Operated by XXXX XXXX ) with the confirmation # XXXX to travel to XXXX on XX/XX/year> and return back on XX/XX/year>. The ticket price for two passengers was {$4400.00} and I was charged excess of {$10000.00} for the total amount of {$14000.00} including fees and taxes. When questioned, I was told that it is their policy to charge extra as upfront charges and it will be refunded within 1-2 billing cycle and I was promised to refund the total amount of {$16000.00} ( including the extra charges {$10000.00} + XXXX XXXX XXXX {$4400.00} + compensation and interest charges on the credit card {$1700.00} ) with the expected date of refund between XX/XX/year> - XX/XX/year>. Based on this representation, I authorized the payment in good faith. After few days my credit card got compromised and I tried to contact the person who charged my credit card. He ceased all my communication and the agent who received my call stated that the person who charged my credit card is on sick leave due to an accident and the refund process is already taken place and I will be receiving it in time. On XX/XX/year>, since I did not get the refund, I was contacted by the RESERVATION merchant/agent and informed that they were unable to process the refundable amount of {$16000.00} due to inactivity of my credit card and since they are processing it manually they are unable to feed the inactive card information and requested for the new credit card information and also mentioned that they have to charge me again {$10000.00} in order to make sure that they are refunding to the right person. They also mentioned that they have to utilize the same XXXX XXXX ticket information as XXXX XXXX TICKET EXCHANGE with the same conformation # XXXX and overcharged as additional cost for two passengers {$10000.00} utilizing my new credit card information and promised to refund the total amount of {$27000.00} including ( {$16000.00} ( previoulsy promised amount + {$10000.00} + {$1100.00} ( compensation for two passengers ) and stated that the refundable amount will be processed in 1-2 billing cycle and the expected date of refund XX/XX/year> - XX/XX/year>. Again in order to get my previously promised refundable amount, based on this representation I authorized the transaction in good faith. Kindly note that the first refund process mail was sent as XXXX XXXX  REFUND PROCESS and the second refund process email was sent as XXXX XXXX REFUND PROCESS and when questioned I was told by the agent not to worry and they are RESERVATION REFUND AGENTS and they will take care of it and will refund it promptly as promised. After few days again the new credit card also got compromised and when I called the person who charged my credit card blocked my communication and the RESERVATION agent who answered my call stated that both the person who charged my credit card is no more working with their agency and if I need to get my refund I need to pay them more money. When I refused to pay them more, they blocked all my communication. Therefore, I disputed both the transactions with BANK OF AMERICA, Claims department stating that botht the transaction were involved as FRAUD BY DECEPTION AND TRAVEL/AIRLINE MISREPRESENTATION. Bank stated that they were unable to approve my dispute claim because they do not enough evidence that I cancelled the service. KINDLY NOTE that I booked the XXXX XXXX  TICKET with the conformation # XXXX to travel on XX/XX/year> and return back on XX/XX/year>. I utilized the same air ticket to travel. I DID NOT CANCEL or PURCHASE a new air ticket for the amount over charged. It is the RESERVATION MERCHANT who overcharged utilizing two credit cards for the total amount of {$20000.00} while the XXXX XXXX  was {$4400.00}. They utilized same XXXX XXXX ticket to over charge my credit which the BANK OF AMERICA is not believing and requesting for the evidence of cancellation. What ever the content I have mentioned is true to the best of my knowledge. Kindly note " WHY WOULD I PAY {$20000.00} + {$4400.00} for premium economy for two passengers. Kindly do the needful.

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