Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX Credit Report charged my account a total of {$420.00} from XX/XX/XXXX thru XX/XX/XXXX. A Permanent credit was previously provided in XX/XX/XXXX, And then reversed in XX/XX/XXXX. For 17 months I appealed this reversal of the permanent credit. However, each time Bank of America refused to discuss the matter and simply declined my fraud claim. Finally, I Disputed the matter through the CFPB earlier this summer. Regulatory resolution XXXX XXXX XXXX was assigned my case. We talked over the phone several times and He confirmed to me that he understood that this dispute was with XXXXXXXX XXXX XXXX and not other merchants. XXXX also confirmed that no prior credit had been provided for XXXX Credit Report charges during that timeframe. XXXX stated that a permanent credit could not be reversed and that would be an error by Bank of America. XXXX was able to also confirm each and every transaction that Wants to be included in this dispute for the unauthorized XXXX Credit Report charges. XXXX also confirmed Bank of America had previously corresponded with the merchant and was able to confirm that All of the charges were unauthorized. XXXX pointed out that Bank of America made several other errors concerning this fraud dispute because of the fact that they lumped it in with a XXXX that had already been provided as a permanent credit from XXXX months prior. With all that said, XXXX was showing me that he would get this taken care of a timely manner. I was excited when I received this letter and I was looking forward to finally being reimbursed for the unnecessary Unauthorized charges with XXXX and the additional interest in late fees that have caused catastrophic financial consequences in my life {$500000.00} due to these specific issues. However, when I opened the letter, I realized that XXXX had lied. Simple as that. XXXX XXXX had committed a XXXX. It is safe to say that he embezzled money from what was a credit to my account. Either way in his response letter, he was able to confirm with copies of statements and letters that the charges were indeed on authorized and that he was aware what the charges were. Despite the facts, XXXX declined my dispute stating that a credit has already been provided by XXXX 


XXXX XXXX was not included in the charges that were being disputed at the time. XXXX was complete and XXXX was completely aware of this. XXXX has intentionally abused and harassed me with the intent to harm me An extraordinary manner. 

I urge Bank of America to do a better job of employee humans. At this time, Bank of America must provide A refund via check that shall be sent to me {$420.00} in treble. They are also to credit back to my credit card all the interest that was charged as a result of this, including any late fees or account fees since that day and time. Accordance with all federal and state laws, This matters no longer up for negotiation or discussion. Bank of America must comply with my demands. They do not have other options. I look forward to their swift response and I know that they will do the right thing and get over this hiccup where they commit it so many errors. It is the upmost Bank of America must admit that these are their errors done on purpose. Anything else will be unacceptable. Please note that I have not made any request. I've already filed my Disputes. I haven't demanding the Bank of America follow the law and I will hold them in the CFPB accountable as they review this process. It is my goal to make an example of Bank of America in the most embarrassing way I believe in treating others as you want to be treated therefore, I fall the golden role. I look forward to embarrassing Bank of America if they can not get this resolved immediately have a great day bye-bye.

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