Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, my debit card was used to pay {$4700.00} to XXXX XXXX ( via XXXX ) for an XXXX XXXX XXXX XXXX program. The program was contracted as a XXXX full-time schedule ( XX/XX/XXXX XX/XX/XXXX ), with XXXX classes per week, XXXX hours each, plus resume support, mock interviews, and job referrals upon graduation. The seller failed to deliver the contracted service and engaged in fraudulent misrepresentation : ( XXXX ) The seller 's website falsely listed XXXX XXXX ( Program XXXX, University XXXX XXXX XXXX XXXX an endorser. XXXX XXXX confirmed in writing via XXXX that he has no affiliation with XXXX XXXX and that the website contains untruthful claims. After being confronted, the seller changed the name on the website but kept the same photo and fabricated title. ( XXXX ) I paid for a full-time program but was placed into a part-time program without consent. The seller provided false assurances that the graduation date would not be affected which proved untrue. By XX/XX/XXXX ( the contracted end date ), the course was not even halfway complete. ( XXXX ) Classes were frequently delayed, rescheduled, or canceled. Only XXXX classes were held in XX/XX/XXXX, when XXXX were required under the contract. ( XXXX ) When I submitted a formal refund request on XX/XX/XXXX, the seller responded only with vague delays and never provided any resolution. I exhausted the XXXX dispute process. XXXX denied my claim ( Dispute ID : XXXX ) and closed the case, explicitly informing me it can not be reopened. I then filed a dispute with Bank of America ( Claim # XXXX ). Bank of America denied my claim on XX/XX/XXXX, directing me to contact XXXX despite XXXX having permanently closed the case. When I called to escalate, Bank of America stated they had contacted XXXX and XXXX did not agree to the chargeback. Bank of America then stated the matter was " XXXX 's responsibility. '' At no point did Bank of America XXXX an independent review of the merits of my dispute. Notably, another student in the same program obtained a full {$4700.00} refund from XXXX XXXX through an independent chargeback review ( credited XX/XX/XXXX, reference XXXX * XXXX ) based on identical circumstances. This confirms that an independent review leads to a different outcome than simply deferring to XXXX. Bank of America has an independent obligation under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX to investigate this dispute. Directing me to a permanently closed XXXX process does not fulfill this obligation. Bank of America 's obligation to compensate me under Regulation XXXX is independent of its ability to recover funds from XXXX or the merchant. The bank 's failure to refund me constitutes a failure to fulfill its statutory obligations to its own account holder. I am requesting that the CFPB XXXX Bank of America to conduct a genuine independent review and issue a full refund of {$4700.00}.

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