Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
Product : Credit Card Issue : Billing dispute/chargeback improperly denied Amount in Dispute : {$1100.00} Complaint Narrative I am filing this complaint regarding Bank of Americas failure to properly investigate and resolve a credit card billing dispute, in violation of the Fair Credit Billing Act ( Regulation Z, 12 CFR 1026.13 ). On XX/XX/XXXX, I paid {$1100.00} by Bank of America credit card to XXXX XXXX after being affirmatively misled about the material financial terms of enrollment. And defrauding my sister, who does not speak English, into signing a financial condition that was not disclosed and was not present in the agent 's documents, which is me. The schools director repeatedly confirmed that the only required payments were {$210.00} ( application fee ) and {$950.00} ( first academic session ), and that the only financial documentation required was a single {$10000.00} sponsor bank statement ( see Exhibits B and C ). Only after payment was processed, I was informedunexpectedly and for the first timethat additional undisclosed obligations existed, including : Ongoing monthly tuition of {$570.00}, and A requirement to provide a {$10000.00} bank statement every XXXX months ( see Exhibit D ). Inability to get a refund for tuition fees These material terms were never disclosed prior to payment, despite multiple confirmations. Had these terms been disclosed, I would not have proceeded with the transaction. No educational services were rendered. No classes were attended. No immigration application was filed. No attorney was contacted. My sister never enrolled or benefited in any way ( see Exhibits E and F ). When I requested a refund, the merchant asserted shifting and contradictory justifications, including alleged non-refundable fees, alleged XXXX fees, and alleged application worknone of which were supported by evidence ( see Exhibit G ). Critically, the merchants Business Manager acknowledged the misleading conduct and confirmed in writing that I could recover my funds by disputing the charge with my bank ( see Exhibit H ). Despite submitting extensive documentation showing misrepresentation, nondisclosure of material terms, and lack of service rendered, Bank of America denied the dispute ( see Exhibit I ). I escalated the matter and spoke with Bank of Americas Executive Resolutions team. After the phone call and further explanation, Bank of America reaffirmed the denial without addressing the Regulation Z requirements governing misrepresentation, failure to disclose material terms, or services not received ( see Exhibit J ). Bank of America has failed to explain how retaining this charge complies with Regulation Z or how a reasonable investigation can uphold a charge where : Material terms were concealed until after payment ; No goods or services were received ; and The merchants own representative acknowledged misleading conduct.

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