Consumer complaint received 2026-01-21 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: WA

Complaint narrative:
XXXX I flew to XXXX XXXX from XXXX and provided to Bank of America my proof of my flight with XXXX including my arrival time. 
There were three charges appearing for this day of travel - 1. REF # XXXX I charged a meal at XXXX XXXX XXXX prior to boarding 2. REF # XXXX THE CHARGE IN DISPUTE for {$250.00} My transportation with the a service provider categorized under BUS LINES, CHARTERS, TOUR BUSES from Terminal 2 in XXXX XXXX kilometers away to my accommodation located at XXXX XXXX XXXX XXXX. I provided my accommodation receipt AND a XXXX XXXX of the exact route of the XXXX kilometer ride. My quoted price with the use of a credit card was XXXX XXXX, about {$20.00}. 
* * I WAS CHARGED {$250.00} for this transaction # XXXX XXXX. REF XXXX About {$20.00} worth of groceries from a XXXX  called XXXX. 
I DO NOT HAVE A RECEIPT for the charge in question. When does a consumer collect a hardcopy receipt when exiting an XXXX, XXXX or XXXX? Any reasonable person knows this to be NEVER. 

XXXX - I noticed the charge of {$250.00} as PENDING and IMMEDIATELY called the bank to report and red flag it I was told there was nothing they could do until it posted. 
XXXX - It posted and I IMMEDIATELY called from my room in XXXX XXXX to file the claim. 
CLAIM NUMBER XXXX XXXX The day after I returned home I uploaded a detailed letter and three supporting documents into their system which I have included here. 
XXXX A standard template response letter was issued denying my claim including points as to why. 
They say they looked at my account history. How is this relevant? My XXXX  score is XXXX and I have NEVER BEFORE filed a false claim. My account history, as is my credit worthiness and score is impeccable. 
The monthly account statements. These show exemplary management of my account with a clear mindfulness and attention to it and an average number of monthly payments numbering 6.

HERES THE KEY STATEMENT - " The transaction posted to your account for the correct amount. '' No IT DID NOT. THAT IS THE POINT. A 15 kilometer cab ride does NOT COST {$250.00} The transaction posted with the fraudulent egregious intentional inflated price {$230.00} over fair market rate and Bank of America is LETTING THEM GET AWAY WITH THIS. 
XXXX Upon receipt of this denial I IMMEDIATELY CALLED again and was advised to speak to their dispute claims department M-F XXXX PST. 
XXXX Because of the holiday I called and spoke to XXXX in the Dispute Claims department to NO AVAIL. He said he understood and believed my account as any " reasonable human would. '' This hinges on the lack of a receipt for a service for which no consumer ever acquires, as all reasonable humans know. I asked XXXX, " under what circumstances without a receipt is a dispute claim supported '' and he was silent. He had no answer to this. If it is simply policy to NEVER EVER GRANT THE DISPUTE WITHOUT A RECEIPT then the BANK SHOULD SIMPLY BE TRANSPARENT ABOUT THIS from the beginning. I've spent a lot of time on this. 
The processing company of this charge is called XXXX XXXX and it takes little research to quickly find an overwhelming amount of evidence online about fraudulent charges made in XXXX using this very processor. The BANK should take action against this processor.

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