Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
XXXX the XXXX XXXX XXXX XXXX XXXX Department XXXX Bank of America, XXXX is a formal escalation of my prior notice, with conclusive, irrefutable evidence of your institution 's willful violation of the Fair Credit Billing Act ( XXXX, XXXX XXXX. XXXX ), XXXX unlawful XXXX charging of my account ending in XXXX. # # # XXXX. Conclusive Facts & XXXX ( Fully Supported by Attached Evidence ) XXXX. XX/XX/year> : I made a purchase of {$320.00} from XXXX XXXX for XXXX XXXX Glasses ( Transaction Reference No. XXXX ), posted XXXX my account ending in XXXX. XXXX. XX/XX/year> : I initiated a formal billing dispute for this transaction, Claim ID : XXXX, for the full amount of {$320.00}. XXXX. XX/XX/year> : Bank of America issued a temporary credit of {$320.00} XXXX my account ending in XXXX, in compliance with XXXX dispute requirements. XXXX. * * XX/XX/year> : XXXX officially issued a full refund of {$320.00} for this order * *, as confirmed by the attached XXXX XXXX XXXX screenshot. Per standard XXXX processing timelines XXXX XXXX 's explicit refund policy, this refund should have cleared XXXX posted to my Bank of America account no later than XX/XX/year>. XXXX. XX/XX/year> : Out of good faith, XXXX avoid duplicate refunds, I contacted Bank of America XXXX cancel the pending dispute. Your institution confirmed the claim was canceled via official automated email the same day. XXXX. Immediately after the dispute cancellation, Bank of America wrongfully reversed the {$320.00} dispute credit XXXX re-billed my account ending in XXXX, * * WITH NO VERIFICATION THAT THE XXXX REFUND HAD BEEN RECEIVED XXXX APPLIED XXXX MY ACCOUNT * *. XXXX. As of XX/XX/year>, I have received NO credit for the XXXX refund on my account, XXXX the original {$320.00} charge remains active XXXX due on my statement. This is unlawful XXXX charging : I am being held liable for a XXXX purchase XXXX, while Bank of America has failed XXXX credit the merchant refund funds that were issued XXXX days prior XXXX the dispute cancellation. # # # XXXX. Willful Legal Violations Your actions constitute deliberate, intentional violations of federal XXXX state banking regulations : XXXX. * * Direct Violation of XXXX ( XXXX XXXX. XXXX ) * * : The XXXX mandates that you conduct a reasonable investigation before reversing a dispute credit, including mandatory verification of whether a merchant refund has been received XXXX applied XXXX the consumer 's account. Your complete failure XXXX perform this verification, XXXX your decision XXXX re-bill me despite the XXXX 's confirmed, issued refund, is a blatant, willful violation of federal consumer protection law. XXXX. * * Unfair & Deceptive Acts or Practices ( UDAAP ) * * : Under the XXXX XXXX your intentional failure XXXX credit a merchant refund XXXX my account, while simultaneously reversing a dispute credit XXXX XXXX charge a consumer acting in good faith, is a deceptive XXXX unfair practice that causes substantial financial harm XXXX credit risk XXXX the consumer. XXXX. * * Failure XXXX XXXX XXXX XXXX Requirements * * : You provided no prior written notice of the credit reversal, no formal explanation of the re-billing, XXXX no accounting of the merchant refund funds that were issued but never credited XXXX my account, in violation of XXXX disclosure rules. # # # XXXX. Non-Negotiable Demands ( Must Be Fulfilled Within XXXX HOURS ) Given the conclusive evidence of your willful regulatory violations, you must fulfill all of the following demands within XXXX HOURS of receiving this notice : XXXX. * * XXXX XXXX of XXXX * * : Restore the {$320.00} dispute credit XXXX my account ending in XXXX, XXXX apply the XXXX {$320.00} refund to my account, with a full, written explanation of why the merchant refund was not credited XXXX my account after it was issued on XX/XX/year>. XXXX. * * Full Waiver of All Fees & Interest * * : Waive any XXXX all interest, late fees, penalties, or charges that have accrued, or may accrue in the future, related XXXX this {$320.00} transaction. Provide written confirmation that this transaction will NOT be reported as late, delinquent, or otherwise negative XXXX any of the XXXX major credit bureaus ( XXXX XXXX XXXX ), with no negative impact to my XXXX profile or XXXX XXXX. * * Formal Written Apology * * : Provide a signed, written apology from your XXXX Department, acknowledging the willful XXXX violation and confirming all corrective actions have been taken XXXX prevent this from recurring. XXXX. * * Goodwill Compensation * * : XXXX a {$1000.00} non-recoverable goodwill credit XXXX my account ending in XXXX, as compensation for the willful misconduct, time, labor, financial risk, XXXX credit exposure caused by your institution 's unlawful XXXX charging XXXX regulatory violations. # # # XXXX. Final Notice If I do not receive written confirmation that all of the above demands have been fully fulfilled within XXXX HOURS, I will immediately file formal, evidence-backed complaints with : - The Office of the Comptroller XXXX the Currency ( XXXX ) XXXX your primary federal regulator ) - The Consumer Financial Protection Bureau XXXX CFPB ) - The Texas Department XXXX Banking XXXX XXXX also retain legal counsel XXXX pursue all available civil remedies, including statutory damages under the XXXX ( up to {$1000.00} per individual violation ), all incurred legal fees, XXXX court costs. I have irrefutable, conclusive evidence for every claim in this notice, and will not entertain any delays, excuses, or attempts XXXX shift blame XXXX the merchant. Attached Evidence : XXXX. XXXX XXXX XXXX screenshot confirming {$320.00} refund issued on XX/XX/year> XXXX. XXXX order page screenshot confirming refund status XXXX XXXX posting timeline XXXX. Full transaction history screenshots from XXXX Bank of America account ending in XXXX ( original purchase, dispute credit, wrongful re-billing ) XXXX. XXXX Bank of America XXXX confirming dispute Claim ID XXXX has been canceled XXXX. Prior communication with Bank of America regarding this dispute Sincerely, XXXX XXXX XXXX XXXX XXXX ) Account Number Ending in : XXXX Date : XX/XX/year> Contact Phone : XXXX Contact Email : XXXX XXXX

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