Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Request for Reevaluation of Disputed Transaction - Claim IDs : XXXX and XXXX I am writing to request reevaluation of a disputed transaction and to express my concern regarding the closure of my disputed transaction cases, specifically claim IDs XXXX and XXXX. Despite providing substantial evidence and documentation to support my claims, both cases were closed without proper consideration. 
The first claim, initiated on XX/XX/2024, under Claim ID XXXX, was opened to dispute a transaction made on XX/XX/2024 in the amount of {$2000.00} after not receiving the credit I was promised on XX/XX/2024 and contacting the merchant several times with no resolution. The merchant acknowledged the return and issued a refund, as per the receipt issued on XX/XX/2024. It is important to note that the merchant 's return policy clearly states that returns are accepted within 30 days. 
To my disappointment, the first claim was closed without any explanation or consideration of the supporting documentation provided. Subsequently, on XX/XX/2024, I called Bank of America to inquire about the closure of the initial claim. I was informed that an error had occurred, leading to the creation of a new claim under Claim ID XXXX. 
Regrettably, the second claim, along with the additional supporting documents I provided, was promptly closed without proper review or consideration. This lack of attention to the evidence undermines my confidence in Bank of America 's dispute resolution process. 
Attached to this letter, you will find the supporting documentation that was not considered during the recent claim closures. These documents serve as clear evidence that the item in question was returned within the designated time frame, and a credit of {$2000.00} is rightfully owed to my XXXX card ending in XXXX, which is linked to my Bank of America debit account. 
Considering the existence of two separate claims and the attached strong evidence, I kindly request that Bank of America reevaluate both cases, under Claim IDs XXXX and XXXX, and provide a detailed explanation as to why they were closed without proper consideration of the submitted documentation. It is essential that my concerns are addressed, and a fair resolution is reached. 
Furthermore, I would appreciate a clear explanation of the steps taken during the initial investigation, as well as clarification on how the supporting documentation was evaluated. If any additional information or documentation is required, please let me know promptly so that I may provide it to facilitate a thorough review of my cases.

I look forward to your prompt attention to this matter and a fair resolution. Should you require any further information or clarification, please do not hesitate to contact me at the provided email address or phone number.

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 monetary relief