Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank Of America is being deceptive and unethical, I do not believe they are following Visas rules and regulations. They sided with a Merchant who stole from me and in doing so effected my personal quality of life. Costing me more money, time, and negatively impacted my Credit score. I believe the rep who took my initial dispute maliciously filed it incorrectly. They then charged it back 5 months later in XX/XX/XXXX leaving me very little time to go elsewhere and cost me invaluable time needed to clear up this issue. I believe they bided their time to avoid a claim with Visa per their six month policy. 
Upon receiving the information that Bank of American denied my claim against XXXX, and the XXXX hitting my account on XX/XX/XXXX, I spoke with a fraud representative explaining the situation. He advised me that per the denial of the claim I had to give the merchant a chance to rectify the situation. 
I drove to their location XXXX XXXX, ID XXXX on XX/XX/2017 and spoke with an XXXX who advised me, he was aware of the situation and that I would have to speak with XXXX the owner of the company. Also, that it has been 5 months since the incident occurred and he ( XXXX ) probably was n't going to do anything for me. On XX/XX/2017, I called at XXXX PST and XXXX picked up of the phone. I requested XXXX and when XXXX picked the phone, and I gave him my name, he stated he could n't hear me and hung up. I called back on XX/XX/2017 at XXXX PST - XXXX answered the phone and again I explained who I was and he again stated : " he could n't hear me ''. I explained " We did business back in XX/XX/XXXX together, you replaced a hard drive for me which was n't the issue my Mac Book Pro was having. I ended up taking it to the Apple store and they fixed the actual issue. '' He said " Let me interrupt you right there when we did business back in XX/XX/XXXX, we spoke on the phone, you advised me that the hard drive did n't fix the issue and I told you to come in and we would give you a full refund within 30 days. You jumped the gun and went to your bank, and caused all these issues on yourself, now we are n't going to help you. '' Per the phone conversation back in XX/XX/XXXX, I advised XXXX that he told me to " bring it in before XXXX '' PST. I told him at the time I was in college full-time Monday through Friday XXXX to XXXX PST and requested that he or one of his team members stay late for this process to be done. He said " no '' they would n't be able to do that. At which point I advised him " I was going to dispute it with my bank ''. He again said, " no do n't do that bring it in during business hours ''. Unable to make it into their office during their business hours, I called Bank of America and requested the dispute. On XX/XX/2017 during our phone interaction, I reminded him of that part of the conversation he proceeded to call me a " habitual liar '' and told me " to take my business elsewhere '' and hung up. Per the denial of this claim. I gave XXXX at XXXX the ability to rectify the situation back in XX/XX/XXXX and again on XX/XX/XXXX and the XXXX of XX/XX/2017. He was very rude and hung up on me. I paid for services with a company who claims to be " computer repair '' but did no diagnostics on my Mac Book Pro what so ever, they simply replaced a part that I did n't need, claiming " Hard drive failure ''. When the XXXX hit my account on XXXX per the denial of my dispute, Bank of American denied paying out my car finance company ( XXXX ), which was scheduled on XX/XX/2017, leaving me with a {$35.00} charge in return pay fees. XXXX also has charged me a late fee and is about to report my car payment late to the credit bureaus.

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