Consumer complaint received 2024-11-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : Called BofA to see why they charged me again. XXXX was the BofA rep from XXXX {$3100.00} was reversed XX/XX/XXXX. Now it was charged again on XX/XX/XXXX without any notification. 
" The company said I was still logging in and using the service. '' RECONSIDERATION STARTED email from commercial claims Thu, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) answered after XXXX minutes on hold. Tells me it will take XXXX days and there is nothing she can do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeconsideration closed. 
Resend correspondence. Will reopen new dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : timestamp in their system Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on XXXXl Billing Disputes. 
XXXX and XXXX minutes and XXXX transfers to the WRONG DEPARTMENTS!!!!! 
XXXX XXXX  is also getting bounced around. XXXX different people could not get thru to right numbers. XXXX REFUSED to transfer for him!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via phone call to BofA reversed {$76.00} finance charge. XXXX was supposed to be warm XXXX XXXX XXXX Had to start again!XXXX 
Sees reconsideration. Came back to tell me the reconsideration of XX/XX/XXXX was closed! Can't tell me the date! 
Went back on hold and then was told XX/XX/XXXX reconsideration was denied. ( This is before I went to see XXXX. XXXX at the branch! ). 
Asked for XXXX info so that I could file a lawsuit. 
No higher ups # XXXX Submit on the website. When asked where, she did not know and I got put on hold again! 
Share Your Feedback link at bottom of the page. 
" Your feedback is important. However, we're unable to respond to comments or support requests submitted through this form. Please contact us directly if you need help or have account or service-related questions. '' NOW REFILED AS OF TODAY Reconsideration Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I called in to XXXX XXXX XXXX  ) Could take XXXX  months for reconsideration, from XX/XX/XXXX. 
I asked *again* to have BofA send me the proof that XXXX XXXX claims they have of me using their system. XXXX days to get that in the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : in branch with XXXX XXXX Reported being charged finance fees. 
He did a XXXX. XXXX has confirmed it is open reconsideration as of XX/XX/XXXX and referred us to billing disputes department. This is an internal only number. 

XXXX days from reconsideration date of XX/XX/XXXX for closure. 
I owe the amount plus finance charges. 
Waived {$94.00} and {$76.00} was already waived Must make full payment now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accidentally transferred!!!! XXXX XXXX XXXX XXXX XXXX XXXX will send out the " proof '' again ( says they did XX/XX/XXXX ) New internal complaint filed. 
XXXX New rep tells me what XXXX and XXXX rep told me was wrong and that's why I incurred a {$11.00} finance charge on latest bill. XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : : Went to the branch XXXX XXXX XXXX got me on the phone with someone and put me in private room so she could handle another customer ( who was apparently booked at the same time as my appointment! ) Got transferred once because I was at the wrong department (! ) XXXX in XXXX put me on hold for a Status Update Request. Came back to tell me the analyst had mailed out to XXXX XXXX days ago ( that would put it on XXXX so I doubt that ) and that they have a deadline of XXXX days to respond!! WTH? We are already at the XXXX day of a XXXX day reconsideration. 
XXXX also informed me that my proof from the vendor had been put in the mail as well and that I should expect it in XXXX days. 

At this point XXXX XXXX XXXXXXXX XXXX XXXXXXXX came in and TOOK OWNERSHIP! Told me I'd hear from her tomorrow once she started to look into this. 
Gave me her card. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tells me it has been escalated to XXXX with no quoted time frame for resolution and that she will check every XXXX days on this. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called and said to expect a letter mailed XX/XX/XXXX. She said the other part of BofA would not tell her what it said!?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stood in line for XXXX minutes until I was even recognized. XXXX asked how she could help, but was tied up with someone at her station. I provided a copy of my received letter ( XXXX XXXX XXXX ) to her and asked if she would call me when she was free. I also was told that XXXX was tied up for several hours. I asked for follow-up from her as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I haven't heard from either XXXX or XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : : Arrived for scheduled meeting with XXXX. XXXX was at a seminar. XXXX tells me they have been working hard on it and are frustrated with being transferred XXXX times and getting no information. 
I tell her that I *still* have not gotten the " proof '' from XXXX of the company 's claims. 
She tells me they are also working on a client that paid for bee removal and the vendor disappeared. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Sent XXXX an email that I would go to the branch tomorrow at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : : XXXX was on a XXXX hour conference call. XXXX took my latest XXXX dispute issue and said she understood. She also had XXXX and XXXX XXXX confused. She told me XXXX would call me in the afternoon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX called back. Says she can't reply to email because it usually gets blocked. I explained that my deadline was XX/XX/XXXX for all this to be resolved. If not, I would be closing all my BofA accounts. I again asked for the Market Maker claim that I used their services, but I asked that it be delivered to XXXX at the branch instead of to me since that has failed XXXX times already. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who resolved the XXXX claim and said " thanks for being honest '' ) XXXX was on the phone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in business claims is going to route all claim documents to me. " I can't believe that with what I am seeing this is still an issue for you at all '' Multiple reps notated account for the claims to be sent, but did follow up to get the XXXX XXXX claim sent to me in the mail. Filed another internal complaint. 

XXXX corrected this ( above paragraph )!!! Tells me I will receive the documentation shortly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Promised resolution Day! 
XXXX never contacted me, despite us talking on XX/XX/XXXX and her promising yet again to have this personally resolved by the XXXX. Time to look at options. 

At about XXXX, I was called by BoA to authorize the bank rep to talk to someone on the phone to get the status of the case. This seems like too little, too late, since their self-imposed deadline was XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Recorded call with XXXX XXXX XXXX where she said she would get a senior analyst on the phone as soon as possible. LISTEN TO RECORDING from XXXX Wed, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was put on the phone by XXXX at around XXXX. LISTEN TO RECORDING from XXXX Told me I could call his department to follow-up at XXXX ***WHY BOTHER? *** This is not going to get me anywhere. 
According to XXXX, the XXXX XXXX XXXXXXXX has until XX/XX/XXXX to review and they will be presented with XXXX 's notes from today. 
This case has already gone to arbitration and is in its XXXX reconsideration. 
XXXX suggested I can escalate this to the Credit Bureau on my own.

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